---
title: "2026 Medicare Open Enrollment: What to Know Before December 7 | Insurance Specialists Blog | Insurance Specialists of Ft Myers"
url: https://www.ftmyersins.com/blog/2026-medicare-open-enrollment
description: "Medicare Open Enrollment runs October 15 to December 7, 2026. Here's why to review your plan, what's changing with Part D in 2027, and how to spot coverage gaps."
lang: en
---

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Medicare Open Enrollment

# 2026 Medicare Open Enrollment: What to Know Before December 7

Insurance Specialists Oct 12, 2026

Image: Retired couple reviewing Medicare plan options at their kitchen table (https://www.ftmyersins.com/assets/medicare-open-enrollment-cover-Be12GjLE.jpg)

**What are you doing between October 15 and December 7?** If reviewing your Medicare health plan isn't on your list, it should be. The 2026 Medicare Annual Enrollment Period (AEP) is your chance to review your current coverage, make sure it still fits your health needs, and change it if necessary for the 2027 plan year.

At **Insurance Specialists of Southwest Florida**, we help people across Southwest Florida compare their options every year. Here's what you need to know before the window closes.

## Key Dates for 2026 Medicare Open Enrollment

| Date | What Happens |
| --- | --- |
| **October 15, 2026** | Annual Enrollment Period begins |
| **December 7, 2026** | Last day to make changes |
| **January 1, 2027** | New coverage takes effect |

## Why You Should Review Your Plan Every Year

AEP is the main time of year you can shop and compare what you have now against new plans and benefits that may work better for your changing circumstances. Plans change their premiums, drug lists, provider networks, and benefits every year, so last year's best fit may not be this year's.

During AEP you can:

- Switch from Original Medicare to a Medicare Advantage plan, or back
- Change from one Medicare Advantage plan to another
- Join, switch, or drop a Medicare Part D prescription drug plan

## Is Your Medicare Plan Being Disrupted?

Many people face changes they didn't choose. Ask yourself:

- **Are you losing your current health plan?**
- **Has your plan moved out of your area?**
- **Is your doctor no longer accepting your plan?**

If any of these apply, this enrollment period is the time to find new coverage that works for you in 2027.

## Medicare Part D Changes for 2027

Part D is changing again, and it's worth knowing what to expect:

- The annual out-of-pocket limit for covered Part D drugs rises from **$2,100 in 2026 to $2,400 in 2027**.
- The maximum Part D deductible will be **$700**.
- After the deductible, your share of covered drug costs depends on your plan.
- Once your qualifying out-of-pocket spending reaches **$2,400**, you'll pay **$0** for covered Part D drugs for the rest of the calendar year.

Reviewing your plan each year helps you understand how these changes may affect your prescription costs.

## Most Plans Have Gaps. Do You Know Yours?

Many people assume their healthcare plan covers everything, until an unexpected expense proves otherwise. Medical events don't just affect your health; they affect your monthly budget.

Supplemental coverage can help:

- Provide cash during hospital stays
- Help cover out-of-pocket medical costs
- Fill dental and vision gaps
- Reduce the risk of draining your retirement savings

If you're retired or approaching retirement, it's worth a quick review.

## Why Work With an Independent Agent?

As an independent agency, we aren't tied to one insurance company. We can help you assess whether your plan is still right for you, compare options side by side, and give personalized advice that protects your interests.

* * *

**Contact us to schedule a personalized, no-obligation consultation today.** Call **(239) 514-0225** or visit https://www.ftmyersins.com/. Don't wait until the sun sets on December 7th!

## Have questions about your coverage?

Our team is happy to review your policy and shop the market for you.

Get My Quote (https://www.ftmyersins.com/get-a-quote)

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Independent vs. Captive Insurance Agents: Which Is Better for You?: https://www.ftmyersins.com/blog/independent-vs-captive-insurance-agents
Esplanade Ft Myers: https://www.ftmyersins.com/blog/home-insurance-esplanade

Home: https://www.ftmyersins.com/insurance/home

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